Approved for Zync...

[terrymurph]

Anyone!!

[Scuba]

All lates were paid and nothing late in about 2.5 to 3 yrs.

[terrymurph]

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@Scuba wrote:

All lates were paid and nothing late in about 2.5 to 3 yrs.

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I guess it doesnt look good for me since i have that unpaid medical bill.

[Anonymous]

Hi there,

I just went and applied for Zync after reading the remarks and was approved online instantly.  I have 30-90 day late marks on my credit report as well as defaulted student loans, but all back 3+ years and have spotless credit since, running with 0% utilization.  I was recently approved from $3.1K credit line with Wells Fargo Financial National for use with a local mattress retailer and my Target Card credit line went from $200 to $1K, Macy's credit line went from $300 to $2K.

Hopefully this information is helpful as well!

[eparker]

I want to apply also.  i am probably a couple of months away before i do.  i want my scores to be in the mid 600's.  i have 2-3 collections to get off.  just did a PFD on one, and paying another one off.  hopefully will get deleted.  i have seen most people around the 640 and above range get approved.  want an amex because i had one in 1989.  would like to have that has the longest account on my credit file. 

might apply if the deletions get me up in the 640 and above range.  does amex pull experian along with their own credit requirements?

thanks...

[Anonymous]

Ahhh I have 3 collections left. Two were already sucessfully GW'ed and should be falling off by next month. 

The last collection I have left is unpaid but only 102.  I should be able to get rid of this by a couple months.

I will be applying right before the new year!

[terrymurph]

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@Anonymous wrote:

Hi there,

I just went and applied for Zync after reading the remarks and was approved online instantly.  I have 30-90 day late marks on my credit report as well as defaulted student loans, but all back 3+ years and have spotless credit since, running with 0% utilization.  I was recently approved from $3.1K credit line with Wells Fargo Financial National for use with a local mattress retailer and my Target Card credit line went from $200 to $1K, Macy's credit line went from $300 to $2K.

Hopefully this information is helpful as well!

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Thank you for your reply. I guess there may be some light for me